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TDECU Checking Accounts

TDECU Checking Accounts

Compare safe and secure checking account options

Earn 16x the national average

With High-Yield Checking from TDECU, you’ll earn up to 2.50%2 APY1 on your checking and savings account balances. Ready to earn more? Open your account today!

Get the most from your checking account

Your checking account should offer more than day-to-day banking features – it should support your financial goals. With no monthly minimums, surcharge-free ATMs and the option to earn up to 16x the national average on your account balances, TDECU is here to help you on your financial journey. Choose from our flexible checking account options, including high-yield, free, teen and business accounts. Looking for other ways to save or earn rewards? Check out our savings accounts and Mastercard® credit cards.

All TDECU Checking Accounts feature these benefits:

Up
to

4.00%

Annual Percentage Yield (APY)

$0

Minimum Balance

55,000+

Surcharge-free ATMs Worldwide

Compare checking accounts

Checking account options that support your financial goals.

 

Value Plus CheckingNew

A premier account designed to optimize your financial potential.

$50.00

Opening Deposit

3.93%

Interest Rate

Up To 4.00%5

APY1

$8.00

Monthly Fee

 

High-Yield Checking

A checking account that yields 16x more than the national average2.

$1.00

Opening Deposit

2.47%

Interest Rate

Up To 2.50%2

APY1

$0.00

Monthly Fee

 

Free Checking

A personal checking account that frees you of unnecessary fees4.

$1.00

Opening Deposit

0.02%

Interest Rate

0.02%

APY1

$0.00

Monthly Fee

 

Teen Checking

A checking account to help teens, ages 13-17, develop solid financial habits.

$1.00

Opening Deposit

0.10%

Interest Rate

0.10%

APY1

$0.00

Monthly Fee

 

Restart Checking

A checking account for those who need help rebuilding financial status.

$1.00

Opening Deposit

0.00%

Interest Rate

0.00%

APY1

$10.00

Monthly Fee

Features and Services for Checking Account Holders

In addition to no minimum balance requirements, TDECU checking accounts also include the following services and benefits:

Get paid early

With direct deposit, your paycheck could appear in your TDECU account up to 2 days earlier.3

Keep tabs on your account activity

Sign up for Visa® Purchase Alerts to monitor your spending and detect fraudulent activity in real-time.

Pay with your mobile device

TDECU Mobile Pay allows you to make payments with just a wave of your phone.

Protect your account when the unexpected happens

With Courtesy Pay, TDECU will cover check, debit card or ACH transactions that won’t clear due to insufficient funds.

Digital Banking mobile account view

Manage your money on the go

  • Transfer money between accounts
  • Deposit checks directly from your mobile device
  • Pay bills
  • Access your account statements from anywhere, at anytime
  • Track spending and create budgets
  • Create custom alerts to stay on top of your finances
Learn About Digital Banking
Looking for a checking account for your business?

Learn more about our business checking account options

Checking Account FAQs

What benefits do all TDECU Checking Accounts offer?

All TDECU Checking Accounts offer up to 2.50% Annual Percentage Yield (APY), a $0 minimum balance, and access to over 55,000 surcharge-free ATMs worldwide.

What are the requirements for opening a Teen Checking account, and what does it offer?

The Teen Checking account is designed for teens ages 13-17, requiring only a $1.00 opening deposit, and offers a 0.10% interest rate and APY with no monthly fee, helping teens develop solid financial habits. Learn more about the Teen Checking account.

What is the Restart Checking account, and who is it for?

The Restart Checking account is tailored for individuals needing help to rebuild their financial status. It requires a $1.00 opening deposit and a $10.00 monthly fee. Learn more about the Restart Checking account.

How can TDECU Checking Account holders benefit from direct deposit?

TDECU Checking Account holders can benefit from direct deposit by receiving their paycheck up to 2 days before the scheduled payment date, offering faster access to funds and aiding in financial management.3

What features are included with TDECU checking accounts to monitor account activity and manage money?

TDECU checking accounts include Visa® Purchase Alerts for monitoring spending and detecting fraud, digital wallet for payments with your phone, and digital banking services for managing money, transferring funds, depositing checks, paying bills, accessing statements, tracking spending, creating budgets, and setting custom alerts.

How can TDECU account holders protect their accounts from overdrafts?

TDECU offers Courtesy Pay, a service that covers checks, debit card, or ACH transactions that would otherwise not clear due to insufficient funds, helping protect account holders from overdrafts.

What are the eligibility requirements and benefits of a High-Yield Checking account at TDECU?

To be eligible for a High-Yield Checking account, you must be at least 18 years old. Benefits include earning up to 2.50% APY on balances up to $20,000 and 0.25% on any balance over $20,000, with requirements such as enrollment in eDocuments, a recurring direct deposit of $500 or more per month, and a minimum of 10 debit card transactions per month to earn the highest APY.2

Does TDECU offer any options for business checking accounts?

Yes, TDECU provides options for business checking accounts tailored to meet the needs of businesses looking for reliable and beneficial banking solutions. Interested parties are encouraged to learn more about these options to find the best fit for their business needs. Click here to learn more about business checking accounts.

1APY = Annual Percentage Yield.

2Must be at least 18 years of age to open a High-Yield Checking (HYC) account with a limit of one account per Member. Requirements to earn the highest APY include enrollment in eDocuments, recurring direct deposit with an aggregated total of $500 or more per month that posts to your HYC account, and a minimum of 10 debit card point-of-sale withdrawal transactions of $1 or more per month. The highest APY includes 2.50% on HYC balance up through $20,000 and 0.25% on any HYC balance over $20,000; 1.00% APY on primary savings balance up through $50,000 and 0.25% APY on primary savings balance over $50,000. If requirements are unmet, accounts will earn an APY of 0.02% on HYC balances and 0.10% on primary savings balances. Account holders will receive a maximum rebate of $30 monthly on non-TDECU ATM fees. The 16x the national average earning rate is as of 4/10/24. Other terms/conditions apply. Rates are subject to change without notice. Contact TDECU for complete details. Insured by NCUA.

3 Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct Deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the payer’s scheduled payment date. Exceptions may apply.

4Free refers to no monthly maintenance fees. Subject to account and penalty fees. See fee schedule.

5Must be at least 18 years of age to open a Value Plus Checking (VPC) account with a limit of two accounts per member. The minimum opening deposit is $50.00. Highest APY includes 4.00% on VPC balances <$50,000.00 and 0.25% on VPC balances >$50,000.00. Account holders will receive a maximum monthly rebate of $30.00 on non-TDECU ATM fees. Rates are subject to change without notice. APY is as of 4/10/24. Other terms/conditions apply. Contact TDECU for complete details. Insured by NCUA.

New Forward Checking accounts are no longer offered. However, we invite you to check out our new High-Yield Checking account which offers higher rates and additional benefits, all without a monthly fee! Members with Forward or Free Checking are encouraged to upgrade to a High-Yield Checking account. Should you have questions about upgrading or your existing account, please call us at (800) 839-1154.


For our High-Yield Checking accounts only, members qualify for Identity Theft Recovery Services; see the Member Handbook for additional information regarding this benefit.

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